Chicago Atlantic Real Estate Finance (REFI) Interest Coverage Ratio (2022 - 2026)
Chicago Atlantic Real Estate Finance (REFI) posted Interest Coverage Ratio of 2.62 for Q1 2026, down 65.6% sequentially from 7.6 in Q4 2025, and down 55.37% YoY from 5.86 in Q1 2025.
Chicago Atlantic Real Estate Finance (REFI) Interest Coverage Ratio (2022 - 2026) Analysis & Trends
Chicago Atlantic Real Estate Finance has reported Interest Coverage Ratio for 5 years, with the latest figure at 2.62 in Q1 2026.
- Quarterly Interest Coverage Ratio fell 55.37% year-over-year to 2.62 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 4.91 (down 29.23% YoY) and the FY2025 annual result came in at 5.77, down 6.58% from the prior year.
- Interest Coverage Ratio eased to 2.62 in Q1 2026 per REFI's latest filing, from 7.6 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 108.99 in Q1 2022 and troughed at 2.62 in Q1 2026.
- A 5-year average of 13.46 and a median of 7.51 in 2023 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2023 and 2024: Interest Coverage Ratio plunged 93.02% in 2023, then jumped 53.6% in 2024.
- Over 5 years, Interest Coverage Ratio stood at 6.27 in 2022, then advanced by 19.92% to 7.51 in 2023, then surged by 53.6% to 11.54 in 2024, then slumped by 34.12% to 7.6 in 2025, then tumbled by 65.6% to 2.62 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 2.62, 7.6, and 6.71 for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Annaly Capital Management | 17.29 Bn | 14.38 Bn | - | 1.63 |
| 2 | AGNC Investment | 12.65 Bn | 11.32 Bn | - | - |
| 3 | Starwood Property Trust | 5.95 Bn | 3.79 Bn | - | 1.06 |
| 4 | Rithm Capital | 5.71 Bn | 5.71 Bn | - | 1.43 |
| 5 | Dynex Capital | 2.93 Bn | 2.32 Bn | - | - |
| 6 | Blackstone Mortgage Trust | 2.40 Bn | 1.97 Bn | - | 0.65 |
| 7 | Armour Residential REIT | 2.12 Bn | 2.03 Bn | - | - |
| 8 | Ellington Financial | 1.73 Bn | 1.49 Bn | - | 1.48 |
| 9 | Orchid Island Capital | 1.34 Bn | 654.61 Mn | 61.82 Mn | 0.53 |
| 10 | Chicago Atlantic Real Estate Finance | 219.65 Mn | 206.30 Mn | - | 4.13 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 4.13 |
| Mar 31, 2026 | 2.62 |
| Dec 31, 2025 | 7.60 |
| Sep 30, 2025 | 6.71 |
| Jun 30, 2025 | 5.27 |
| Mar 31, 2025 | 5.86 |
| Dec 31, 2024 | 11.54 |
| Sep 30, 2024 | 7.23 |
| Jun 30, 2024 | 5.99 |
| Mar 31, 2024 | 5.15 |
| Dec 31, 2023 | 7.51 |
| Sep 30, 2023 | 7.88 |
| Jun 30, 2023 | 9.69 |
| Mar 31, 2023 | 7.61 |
| Dec 31, 2022 | 6.27 |
| Sep 30, 2022 | 12.34 |
| Jun 30, 2022 | 10.60 |
| Mar 31, 2022 | 108.99 |